Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$11,964Cash toward the purchase price.
Closing costs + prepaids$11,883Not just lender fees.
Before credits & paid funds$23,847The complete starting cash picture.
Estimated remaining funds due at closing
$23,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,963.75
Your down payment$11,963.75
Closing costs + prepaids$11,883.25
Total buyer cash needed$23,847.00
Remaining funds due$23,847.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,190.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$727.00
Initial HOA (3 months)$945.00
Prepaid interest, first (29 days)$1,303.07
Fees + prepaids$11,883.25
Your down payment is the seller’s equity. You take over the $238,036 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $23,847.00 is due at closing. Uses and sources reconcile at $261,883.25 each. Not a Closing Disclosure.